Atlantic Coast Mortgage
The Realty Group Team has partnered with Atlantic Coast Mortgage to give our clients access to a trusted, award-winning lending team that understands Central Virginia real estate.
Caleb Gingues
Loan Officer · NMLS #2255908
Caleb Gingues
Caleb Gingues brings a unique perspective to residential lending. Having transitioned from commercial real estate lending, he understands the financial complexities that come with purchasing a home—especially for self-employed individuals and entrepreneurs who often face additional hurdles during the mortgage process.
As a loan officer with Atlantic Coast Mortgage, Caleb leverages his deep background in business lending to craft solutions that work for each client's situation, whether it's a first-time purchase, a refinance, or a complex income structure.
Scotsman Guide
Top Originators 2024
President's Club
Atlantic Coast Mortgage 2023
Licensed In
Atlantic Coast Mortgage, LLC
Founded in 2011, Atlantic Coast Mortgage was built on a foundation of commitment, character, and innovation with a mission to reimagine and reshape the mortgage industry. Operating with a "one team, one mission" approach, ACM maintains full independence as a company—giving them complete control over the borrower experience from start to finish.
ACM's people-centric values mean they view loan closing as the beginning, not the end, of their relationship with you. Their proprietary combination of technologies, systems, and processes ensures timely closings and a transparent experience every step of the way.
Purchase Loans
Whether you're buying your first home or upgrading to your dream property, ACM offers competitive rates and personalized guidance through every step of the purchase process.
Refinancing
Lower your rate, shorten your term, access your equity, or cancel mortgage insurance. ACM's refinance options are designed to improve your financial position.
Reverse Mortgages
Access the equity in your home to supplement retirement income, fund home improvements, or purchase a new primary residence with flexible reverse mortgage solutions.
The Mortgage Process
Every journey begins with a first step. Take a few more, and before you know it—you're home.
Origination
Apply with your loan officer to get pre-qualified, gather documents, find a property, and go under contract.
Processing
ACM orders third-party services like the appraisal and prepares your loan for underwriting review.
Underwriting
Your information is reviewed for loan eligibility. You'll satisfy any conditions the underwriter assigns.
Closing
Once all conditions are met, the file is cleared for closing and you close on your new home.
A Lender We Trust
We've seen firsthand how the right lender makes or breaks a transaction. Atlantic Coast Mortgage consistently delivers for our clients with clear communication, competitive rates, and reliable closings.
On-Time Closings
Reliable timelines that keep your transaction on track from contract to keys.
Self-Employed Expertise
Caleb's commercial lending background means he understands complex income situations.
Award-Winning Team
Recognized by Scotsman Guide and Atlantic Coast Mortgage for outstanding performance.
Clear Communication
Proactive updates at every milestone so you're never left wondering where things stand.
Helpful Guides for Home Buyers
Explore our library of buyer-focused resources to help you navigate the Central Virginia real estate market with confidence.
Our Buyers Guide
Our 5-step process for helping you find your perfect home in Central Virginia.
Where Your Money Goes Furthest
First-time buyer affordability guide with mortgage math at current rates.
Virginia Tax Guide for Buyers
Property tax, capital gains, and deductions every Virginia buyer should know.
Best & Worst Times to Buy
Month-by-month analysis of when to buy in the Central Virginia market.
School Districts Ranked
County-by-county school information for families buying in Central Virginia.
What $500K Buys Here vs. Northeast
See how Central Virginia home values compare to NYC, DC, and beyond.
Get Pre-Approved Today
Reach out to Caleb Gingues at Atlantic Coast Mortgage to discuss your financing options, or contact The Realty Group Team to begin your home search.